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Job Purpose

The role of Head is to strategies and implement targets to meet the goals and requirements outlined by the management and protect the Bank's interest at all times through develop marketing strategies and solicit business, diversify through new-to-bank relationships, cross-sell the Bank's products and capabilities to corporate sector entities while maintaining cost-to-income discipline.

Accountabilities

CREDIT ACQUISITION

Lead the Team Members with a focus on originating deals, exceeding clients expectations and overall growth.
Responsible for managing portfolio of existing and new customers with optimization of revenue through sound credit evaluation, wallet sizing and account planning.
Consistently identify ways to maximize the existing resources i.e. the Relationship Managers by leveraging on own and RMs credit knowledge and experience across various industry segment
Reinforce a continuous improvement mind-set by initiating innovative and achievable solutions that could become a benchmark for the industry.
Increase wallet sizing under Corporate Investment Banking space among existing and potential new clients through joint-marketing, information sharing and market intelligence.
Work closely with product partners across Affin banking group to induce cross-selling of products
Review and mitigate risks and group exposure

ACCOUNT PROFITABILITY

Grow P&L by maximizing earning potential, review and monitor revenue performance through effective client planning.
Monitor and promote higher utilization of facilities
Promote good management of Balance Sheet through collaboration with product partners.
Constantly monitor the health of accounts managed under Public Sector team. Conduct pulse check on the accounts by tracking the revenue performance.

CLIENT RELATIONSHIP MANAGEMENT

Understand customer business and related industries vide improvement on the relationship development.
Support, identify, solicit and establish a high value client base for the Bank
Activate opportunities and risk criteria.
Manage proactively a portfolio of corporate accounts by monitoring the status and credit risk of each account
Internal coordination/liaison with service delivery centres / HQ departments to maximize process efficiency and customer satisfaction.

SERVICE MANAGEMENT

Ensure promptness and quality of credit processing
Monitor overdue accounts and undertake prompt measures to prevent deterioration to NPL.
Provide customer level information to relevant parties within the Bank.
Facilitate the drawdown of facilities.
STAFF DEVELOPMENT
Build a high performance culture by promoting individual and collective ownerships and accountability of outcomes. This includes to inculcate high discipline work ethic.
Constantly improve business skills and participate in any recommended training program.
Maintain high level of integrity and disciplines.
Mentor and coach to the Relationship Manager
Identify training needs and recommend RM for development training.
When and where necessary, to guide and advise the RM of his portfolio management
COMPLIANCE TO REGULATORY AND BANK'S POLICIES AND PROCEDURES
To comply with regulatory and Bank's internal policies and procedures and provide feedback to ensure better efficiency.
Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments including Operations/Finance/ Compliance.
Accurately assess the risk profile, suitability and appropriateness of clients when marketing products and services by maintaining an accurate and up to date call report.
To manage the application of AML/CFT internal programs and procedures including proper maintenance of records and to report suspicious transactions.
Apply regulatory requirements such as KYC, AML/CFT and procedures at all times

Qualifications And Experience

Degree in Finance, Accounting or any similar discipline.
Minimum 10 years experience in credit and corporate banking.

Skills and Knowledge

Able to work independently with high degree of commitment and integrity.
Ability to monitor and delegate targets to staff in order to achieve financial targets and compliance.
Proactive and comprehensive in delivering content to senior internal stakeholders and clients.
Familiarity with banking procedure, policies and guidelines both internally and externally with a thorough understanding of the client's industry, business cycles and other relevant factors.
Possess strong communication and excellent interpersonal skills and result oriented.
Strong analytical skills and able to demonstrate good potential.
Assertive personality, initiative and innovative.
Maturity in decision and problem solving.
Ability to think strategically.

Head, Public Sector